This information is used to determine what you pay for your flood insurance policy.
Flood Zone Descriptions:
Low to Moderate Risk.
These can be above the projected 500 year flood (Zones C and X) for minimal flood exposure. Or between the projected 100 year and 500 year flood levels (Zones B and X). A flood (surface water affecting two or more acres or two or more properties, on usually dry areas, from any of several causes) can affect many unexpected places.
Zone A is an area with a 1% annual chance of flooding, 26% chance over 30 years. No depth or Base Flood Elevation (BFE) is shown within these Zones.
Zone AE is the base floodplain where BFEs are determined and shown. This is shown on new Flood Insurance Risk Maps (FIRM). Older FIRMs show the previous Zones A1 to A30. BFEs are based on detailed analysis.
Zone AH has a 1% annual chance of shallow flooding, usually associated with a pond, with an average depth of 1 to 3 feet.
Zone AO has a 1% annual chance of shallow flooding, associated with rivers and streams, with an average depth of 1 to 3 feet.
Zone AR is for an area with a temporary increase in flood risk. Flood insurance is mandatory but rates are kept low.
Zone A99 is for an area which is protected by a Federal flood control system.
High RIsk Coastal
Zone V has a 1% or greater annual chance of flooding, and additional risk of storm waves/surge. There are no BFEs (Base Flood Elevations) in this Zone.
Zones VE and V1-30 have a 1% or greater annual chance of flooding, additional risk of storm waves/surge, and BFEs.
The Base Flood Elevation that applies to your property can make a huge difference in the price of Flood Insurance. You can get a flood elevation certificate to see whether it will raise or lower the price. Use our basic form below to start a detailed flood quote for your home or business flood insurance coverage. Our friendly professional FEMA trained agents will help you finish the quote and guide you through the entire process.